Expert: Jason Barnette, Esq. - 9/7/2009

Question
I had a person call me regarding a payday loan that I defaulted on a couple of years ago.  They called my work and told my fellow co-worker that a warrant had been issued for my arrest and I needed to call back right away.  I called and they said that I owed over a $1,000.00, but they would settle for $800.00 in payments.  They said that if I didnt pay they would have me arrested.  I set up payment arrangements since I was scared.  I paid the first $400, but grew suspicious when other people called me from there and couldnt find my payment and beat around the bush when I questioned things.  They even went as far as hanging up on me when I asked questions.  They refuse to send me any documentation regarding who they are, what I owe, and who I owe it to.  I want to know if they can continue to call me and threaten me with warrants and police.  What about them telling my coworker about a warrant being issued for me. What should I do?

Answer
Kelly:

This is a rather egregious violation of the FDCPA.  I would consult with a consumer attorney if the entity calling was a third party debt collector.

If you reside in Tennessee, feel free to contact us at Barnette Law Offices insofar as we focus on consumer protection litigation.

Jason Barnette
Barnette Law Offices, LLC
1800 Hayes Street; Suite 122
Nashville, TN 37203
615-585-2245
http://www.barnettelawoffices.com